UNIVERSAL INSURANCE HOLDINGS INC Financial Ratios
NYSE: UVEFinancial ServicesInsurance - Property & CasualtyUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
UNIVERSAL INSURANCE HOLDINGS INC ratio analysis
UNIVERSAL INSURANCE HOLDINGS INC earned a net margin of 11.4% in FY 2025, up from 3.9% a year earlier. Return on equity reached 33.2%, meaning UNIVERSAL INSURANCE HOLDINGS INC generated 0.33 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 0.18 versus 0.27 the year before.
At the end of FY 2025, UVE traded at 5.0 times earnings; across the 9 fiscal years shown, its year-end P/E ranged from 5.0 to 26.2, with a median of 10.2. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
UNIVERSAL INSURANCE HOLDINGS INC financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 5.02 | 9.94 | 7.20 | — | 26.15 | 25.18 | 20.28 | 11.46 | 9.15 | 10.18 |
| Price / sales | 0.55 | 0.37 | 0.34 | 0.27 | 0.47 | 0.45 | 1.00 | 1.59 | 1.27 | 1.45 |
| Price / book | 1.60 | 1.53 | 1.40 | 1.13 | 1.24 | 1.07 | 1.89 | 2.60 | 2.17 | 2.67 |
| Net margin | 11.4% | 3.9% | 4.8% | -1.8% | 1.8% | 1.8% | 5.0% | 14.2% | 14.2% | 14.5% |
| Free cash flow margin | 23.5% | 8.5% | 4.8% | 26.1% | 20.2% | 1.1% | 7.8% | 27.1% | 32.0% | 16.5% |
| Return on equity (ROE) | 33.2% | 15.8% | 19.6% | -7.7% | 4.7% | 4.3% | 9.4% | 23.3% | 24.3% | 26.8% |
| Return on assets (ROA) | 6.4% | 2.1% | 2.9% | -0.8% | 1.0% | 1.1% | 2.7% | 6.3% | 7.3% | 9.4% |
| Debt / equity | 0.18 | 0.27 | 0.30 | 0.36 | 0.24 | 0.02 | — | 0.02 | 0.03 | 0.04 |
| Revenue growth | 5.5% | 9.3% | 13.8% | 9.0% | 4.6% | 14.2% | 14.0% | 9.6% | 9.7% | 25.4% |
| EPS growth | 214.4% | -9.5% | — | -210.8% | 8.3% | -55.9% | -58.4% | 9.4% | 7.2% | -6.1% |